A growing number of young people are living frugally and investing well in their twenties and thirties to be able to retire in their fifties, forties or even the thirties.
Some call it 'FIRE' or 'Financial Independence Retire Early', others call it common sense, Seven Sharp reported.
Helen Eschenbruch owns an apartment in Auckland's Grey Lynn valued at $550,000 and a house in Hamilton worth $450,000 - and she's only 31.
The horse lover is also not saddled with debt.
Ms Eschenbruch learned the value of money as a kid by working for her pocket money, and in her twenties knuckled down saving, living at home, with no student loan.
"It is true when they say the first 100 thousand is always the hardest. And then it starts ticking up more quickly after that and that's just compound interest," she said.
"What is the point of getting to even 60 or whatever and realising you've missed on all these things that now you're not physically able to do?"
Earlier this year Ms Eschenbruch moved to Auckland for a project coordinator job and a $20,000 pay rise and she also has in Airbnb guests.
Hannah McQueen who built the Enable Me business of financial 'trainers' says only a third of the population naturally resonates with "it's easy to save".
Some who fall into the other two thirds come to Ms McQueen's trainers and she said more and more young people are coming to them.
"The majority of the population respond better when they are accountable to someone," she said.
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